<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:wfw="http://wellformedweb.org/CommentAPI/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	>

<channel>
	<title>ApnaPaisa - Financial Planning, Investment, Insurance, Loans, Credit Cards, Banking &#187; Home Loans</title>
	<atom:link href="http://www.apnapaisa.com/category/loans/home-loans/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.apnapaisa.com</link>
	<description>Get Smart</description>
	<pubDate>Mon, 22 Dec 2008 12:01:27 +0000</pubDate>
	<generator>http://wordpress.org/?v=2.6</generator>
	<language>en</language>
			<item>
		<title>Cheap realty not reality</title>
		<link>http://www.apnapaisa.com/2008/12/13/cheap-realty-not-reality/</link>
		<comments>http://www.apnapaisa.com/2008/12/13/cheap-realty-not-reality/#comments</comments>
		<pubDate>Sat, 13 Dec 2008 06:29:30 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[banks]]></category>

		<category><![CDATA[CCI]]></category>

		<category><![CDATA[consumer confidence]]></category>

		<category><![CDATA[consumer confidence index]]></category>

		<category><![CDATA[dipping real estate prices]]></category>

		<category><![CDATA[eligibility norms]]></category>

		<category><![CDATA[EMI burden]]></category>

		<category><![CDATA[free stamp duty and registration]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan rates]]></category>

		<category><![CDATA[property prices]]></category>

		<category><![CDATA[stamp duty and registration]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1105</guid>
		<description><![CDATA[While much is being reported in the media about the significant dip in property prices, in actual practice most large developers are still holding on to their prices.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/13/cheap-realty-not-reality/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Home buying - Take advantage of today&#8217;s bad economic environment</title>
		<link>http://www.apnapaisa.com/2008/12/12/home-buying-take-advantage-of-todays-bad-economic-environment/</link>
		<comments>http://www.apnapaisa.com/2008/12/12/home-buying-take-advantage-of-todays-bad-economic-environment/#comments</comments>
		<pubDate>Fri, 12 Dec 2008 06:18:59 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA['dream home']]></category>

		<category><![CDATA[banks]]></category>

		<category><![CDATA[Benchmark Prime Lending Rate]]></category>

		<category><![CDATA[builders]]></category>

		<category><![CDATA[critical illness policy]]></category>

		<category><![CDATA[down payment]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[EMIs]]></category>

		<category><![CDATA[fixed rate]]></category>

		<category><![CDATA[floating rate]]></category>

		<category><![CDATA[home insurance]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[lender]]></category>

		<category><![CDATA[Life Insurance]]></category>

		<category><![CDATA[lower EMIs]]></category>

		<category><![CDATA[tenure]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1101</guid>
		<description><![CDATA[If you have decided to buy your dream home, here is what you can do to take advantage of the current economic environment.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/12/home-buying-take-advantage-of-todays-bad-economic-environment/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Time for serious negotiations!</title>
		<link>http://www.apnapaisa.com/2008/12/01/time-for-serious-negotiations/</link>
		<comments>http://www.apnapaisa.com/2008/12/01/time-for-serious-negotiations/#comments</comments>
		<pubDate>Mon, 01 Dec 2008 08:13:59 +0000</pubDate>
		<dc:creator>Harsh Vardhan Roongta</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[administration fees]]></category>

		<category><![CDATA[bank]]></category>

		<category><![CDATA[full and final payment]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[lender]]></category>

		<category><![CDATA[lower interest rates]]></category>

		<category><![CDATA[NOC]]></category>

		<category><![CDATA[prepayment fees]]></category>

		<category><![CDATA[processing fees]]></category>

		<category><![CDATA[realty]]></category>

		<category><![CDATA[repayment track record]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1109</guid>
		<description><![CDATA[The year 2008 may be credited for witnessing the biggest financial turmoil in the recent past. Realty and home loans consumed innumerable reams of paper and satellite space. These were constantly in the news for whatever reasons.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/12/01/time-for-serious-negotiations/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Tax benefits for a home loan</title>
		<link>http://www.apnapaisa.com/2008/11/21/tax-benefits-for-a-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/tax-benefits-for-a-home-loan/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:53:40 +0000</pubDate>
		<dc:creator>Kishore Gosrani</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[housing loan]]></category>

		<category><![CDATA[HRA deduction]]></category>

		<category><![CDATA[income tax]]></category>

		<category><![CDATA[income tax deduction]]></category>

		<category><![CDATA[pre-EMI]]></category>

		<category><![CDATA[tax deductions]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1012</guid>
		<description><![CDATA[I have some queries regarding income tax deductions based on housing loan. I have taken a housing loan for a house that will be completed by February 2008 end. I have paid pre-EMI till November 2007 and EMI has started from December 2007 onwards.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/tax-benefits-for-a-home-loan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>In EMIs, why is the principal less than the interest paid?</title>
		<link>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/</link>
		<comments>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/#comments</comments>
		<pubDate>Fri, 21 Nov 2008 08:03:36 +0000</pubDate>
		<dc:creator>Raima Bhula</dc:creator>
		
		<category><![CDATA[Banking issues]]></category>

		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[ICICI bank]]></category>

		<category><![CDATA[interest rates]]></category>

		<category><![CDATA[principal]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=993</guid>
		<description><![CDATA[I had taken a home loan from ICICI Bank in December 2007 at the rate of 9.25%, for 228 months. In April 2008, interest rate changed to 10.75% which again changed to 11.75% in May 2008.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/11/21/in-emis-why-is-the-principal-less-than-the-interest-paid/feed/</wfw:commentRss>
		</item>
		<item>
		<title>It’s easy for a bank to change interest rates on your home loan</title>
		<link>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/#comments</comments>
		<pubDate>Fri, 24 Oct 2008 15:35:37 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Grievances]]></category>

		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[agreement terminology]]></category>

		<category><![CDATA[EMI]]></category>

		<category><![CDATA[equated monthly installments]]></category>

		<category><![CDATA[fixed interest rates]]></category>

		<category><![CDATA[floating interest rates]]></category>

		<category><![CDATA[Floating Reference Rate]]></category>

		<category><![CDATA[FRR]]></category>

		<category><![CDATA[Loan interest rates]]></category>

		<category><![CDATA[Money Market Conditions]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=607</guid>
		<description><![CDATA[In case of floating interest rates, take rate change for granted. I read a clause in a home loan agreement of one of India's largest private sector bank. The clause is that this rate of interest is linked to what is known as its Floating Reference Rate (FRR).]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/24/it%e2%80%99s-easy-for-a-bank-to-change-interest-rates-on-your-home-loan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Builders&#8217; backward integration</title>
		<link>http://www.apnapaisa.com/2008/10/01/builders-backward-integration/</link>
		<comments>http://www.apnapaisa.com/2008/10/01/builders-backward-integration/#comments</comments>
		<pubDate>Wed, 01 Oct 2008 12:55:32 +0000</pubDate>
		<dc:creator>Anup Sreenivasan</dc:creator>
		
		<category><![CDATA[Home Loan]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loan]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[eligibility]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=524</guid>
		<description><![CDATA[My friend in Bangalore is a builder. Steel and cement prices are going through the roof. He says that banks have money but are unwilling to lend (Don't look at me, I am just the messenger here.)]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/10/01/builders-backward-integration/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Why is a co-borrower needed for a home loan?</title>
		<link>http://www.apnapaisa.com/2008/06/21/why-is-a-co-borrower-needed-for-a-home-loan/</link>
		<comments>http://www.apnapaisa.com/2008/06/21/why-is-a-co-borrower-needed-for-a-home-loan/#comments</comments>
		<pubDate>Sat, 21 Jun 2008 08:42:01 +0000</pubDate>
		<dc:creator>Pooja Bhola</dc:creator>
		
		<category><![CDATA[Banking]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[bank]]></category>

		<category><![CDATA[co-borrower]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan company]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=1008</guid>
		<description><![CDATA[I am working with a software company. I am 29 years old and looking for a home loan. I approached a bank for a home loan.]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/06/21/why-is-a-co-borrower-needed-for-a-home-loan/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Is prepayment penalty justified?</title>
		<link>http://www.apnapaisa.com/2008/06/17/is-prepayment-penalty-justified/</link>
		<comments>http://www.apnapaisa.com/2008/06/17/is-prepayment-penalty-justified/#comments</comments>
		<pubDate>Tue, 17 Jun 2008 10:23:14 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA[fixed vs. floating interest rate]]></category>

		<category><![CDATA[home loan]]></category>

		<category><![CDATA[home loan transfer]]></category>

		<category><![CDATA[interest rate fluctuations]]></category>

		<category><![CDATA[prepayment]]></category>

		<category><![CDATA[prepayment penalty]]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=51</guid>
		<description><![CDATA[Interest rates have been rising ever since this year began. Even during 2007...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/06/17/is-prepayment-penalty-justified/feed/</wfw:commentRss>
		</item>
		<item>
		<title>Builders justifying the hike…</title>
		<link>http://www.apnapaisa.com/2008/06/17/builders-justifying-the-hike%e2%80%a6/</link>
		<comments>http://www.apnapaisa.com/2008/06/17/builders-justifying-the-hike%e2%80%a6/#comments</comments>
		<pubDate>Tue, 17 Jun 2008 08:40:51 +0000</pubDate>
		<dc:creator>Pooja Gawde</dc:creator>
		
		<category><![CDATA[Featured]]></category>

		<category><![CDATA[Home Loans]]></category>

		<category><![CDATA[Loans]]></category>

		<category><![CDATA['dream home']]></category>

		<guid isPermaLink="false">http://www.apnapaisa.com/?p=50</guid>
		<description><![CDATA[We all need a home and a loan for our home…no? Well, as a matter of fact...]]></description>
		<wfw:commentRss>http://www.apnapaisa.com/2008/06/17/builders-justifying-the-hike%e2%80%a6/feed/</wfw:commentRss>
		</item>
	</channel>
</rss>
